Everybody has a credit report, its just that you might have never seen yours. When you open up a bank account, mobile phone contract, mortgage etc, these all start to report to the Credit Reference Agencies and create a monthly report to advise how the accounts are maintained. Every time you apply to check your eligibility for a product (insurance, loans, bank accounts etc) it is also reported to your credit file so its important it to review it regularly so that you can report anything that you dont recognise.
Are you a Finio or Likely Loans customer looking for help? Click here